Best Business Credit Card Signup Bonuses for May 2024
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There are a ton of great business credit cards to choose from. However, a credit card can stand out by offering an excellent welcome bonus. Here’s our list of the best business credit card signup bonuses in May 2024. Plus, a list of ways to help you choose a business credit card that’s best for you.
NEW Bonus Offers
There are four new business credit card bonus offers available right now, and two of them require a large amount of upfront spending and offer the largest cash bonuses we’ve seen in some time.
- card_name – Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership..
- card_name – 150,000 Miles once you spend $30,000 in the first 3 months from account opening.
- card_name – $1,200 Cash Back once you spend $30,000 in the first 3 months.
- card_name – Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.
Best Business Credit Card Signup Bonuses
Credit Card | Welcome Offer | More Info |
Capital One Venture X Business | 150,000 Miles once you spend $30,000 in the first 3 months from account opening (NEW!) | Learn How to Apply |
Capital One Spark Cash Plus | $1,200 Cash Back once you spend $30,000 in the first 3 months (NEW!) | REVIEW |
Ink Business Premier® Credit Card | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. | Learn How to Apply |
Ink Business Unlimited® Credit Card | Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | Learn How to Apply |
Ink Business Cash® Credit Card | Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. | Learn How to Apply |
U.S. Bank Business Leverage® Visa Signature® Card | Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account. | REVIEW |
IHG One Rewards Premier Business Credit Card | Limited Time Offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening. | Learn How to Apply |
The Hilton Honors American Express Business Card | Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5. | Learn How to Apply |
The Business Platinum Card® from American Express | Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. | Learn How to Apply |
American Express® Business Gold Card | Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* | Learn How to Apply |
Ink Business Preferred® Credit Card | Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | Learn How to Apply |
Southwest® Rapid Rewards® Performance Business Credit Card | Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening. | Learn How to Apply |
Capital One Venture X Business
Capital One Venture X Business is a play on their consumer credit card, but this is a charge card, meaning you need to pay your balance in full every month. It includes a brand-new bonus worth more than any bonus on our list. Those points can be transferred 1:1 to more than a dozen international travel partners making your value even greater. And you get a $300 travel credit and 10,000 bonus miles on your anniversary every year.Rewards:
- Welcome Offer: 150,000 Miles once you spend $30,000 in the first 3 months from account opening
- Foreign Transaction Fee: None
- Annual Fee: $395
Ink Business Premier® Credit Card
Ink Business Premier® Credit Card offers one of the highest cash back bonuses out there. Keep in mind this is a pay-in-full card, so you need to pay your balance every month, although certain eligible purchases can be paid over time. You’ll also earn Chase Ultimate Rewards, but unlike most Chase cards, you won’t be able to transfer them to airline or hotel partners, or other Chase cards.Rewards:
- Welcome Offer: Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Foreign Transaction Fee: $0
- Annual Fee: $195
Read our Ink Business Premier® Credit Card Review
Ink Business Preferred® Credit Card
Ink Business Preferred® Credit Card offers a big signup bonus. Points on this card are worth 25% more when you redeem them for travel through Chase Travel. In addition to an amazing bonus, you’ll earn 3x per dollar spent on travel, shipping, internet, and advertising purchases, where many businesses spend a significant chunk of change.Rewards:
- Welcome Offer: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Foreign Transaction Fee: $0
- Annual Fee: $95
Read our Ink Business Preferred® Credit Card Review
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card is offering a welcome bonus and a 0% intro APR. It’s a great deal because employee cards are available at no additional cost, so you earn rewards on those purchases as well.Rewards:
- Welcome Offer: Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
- 0% Intro APR: Get 0% APR on purchases for 12 months; after that, the APR will be 18.49% - 24.49% variable based on creditworthiness.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Annual Fee: $0
Read our Ink Business Unlimited® Credit Card Review
IHG One Rewards Premier Business Credit Card
IHG One Rewards Premier Business Credit Card offers generous rewards, especially if you’re partial to IHG brand hotels, and a signup bonus. You get automatic platinum elite status as long as you remain a Premier Business cardmember. You can also get an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay. If you enjoy staying at IHG brand hotels (which include Holiday Inn, Crowne Plaza, and Intercontinental), this card is a no-brainer.Rewards:
- Welcome Offer: Limited Time Offer! Earn up to 175,000 Bonus Points. Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening. Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening.
- Foreign Transaction Fee: $0
- Annual Fee: $99
Read our IHG One Rewards Premier Business Credit Card Review
Ink Business Cash® Credit Card
Ink Business Cash® Credit Card is almost a twin of the Ink Business Unlimited® Credit Card, except that you’ll earn up to 5% cash back at office supply stores and 2% cash back at gas stations and restaurants. The signup bonus is the same, one of the highest cash back bonuses around.Rewards:
- Welcome Offer: Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening.
- 0% Intro APR: Get 0% APR on purchases for the first 12 months, after which the rate is a variable 18.49% - 24.49% based on credit worthiness.
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Annual Fee: $0
Read our Ink Business Cash® Credit Card Review
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is a great card for business travelers. Not only can you earn a welcome offer, but you can earn 5x on flights and hotels. There are some other nice travel benefits like a $200 airline credit to cover baggage fees, and $189 Clear Credit so you can breeze through airport security.Rewards:
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- Foreign Transaction Fee: None
- Annual Fee: $695
*Terms Apply
American Express® Business Gold Card
American Express® Business Gold Card offers 4x points per dollar on two categories where businesses are likely to spend money, plus you get 1x on all other purchases. Categories include technology purchases (like hardware, software, and cloud solutions), media advertising, and shipping, as well as things like dining and gas. You get baggage insurance when you fly as well. The annual fee is going up if your application is received after 2/1/24, so if you’ve been thinking about it, now is the time to apply.Rewards:
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*Terms Apply.
- Foreign Transaction Fee: None
- Annual Fee: $375
*Terms Apply
Capital One Spark Cash Plus
Capital One Spark Cash Plus is a charge card, or a pay-in-full card, meaning you’ll need to pay your balance every month. On the plus side, there’s no APR unless you pay late. You’ll also earn at least 2% cash back on all purchases.Rewards:
- Welcome Offer: $1,200 Cash Back once you spend $30,000 in the first 3 months
- Foreign Transaction Fee: None
- Annual Fee: $150, refunded every year you spend at least $150,000 on your card
Southwest® Rapid Rewards® Performance Business Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card has a good bonus, plus you get an additional 9,000 points each year on your cardmember anniversary. A companion pass is 135,000 points, so with the signup bonus and the anniversary points, you’re most of the way there. You also earn additional points through purchases on things like travel, social media, and search engine advertising.Rewards:
- Welcome Offer: Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
- Foreign Transaction Fee: $0
- Annual Fee: $199
Read our Southwest® Rapid Rewards® Performance Business Credit Card Review
U.S. Bank Business Leverage® Visa Signature® Card
U.S. Bank Business Leverage® Visa Signature® Card offers a nice bonus and 2% cash back on whatever two categories you spend the most money on. This card could be a great fit for someone who spends on categories not often listed for rewards. The annual fee: $0 intro annual fee the first year, $95 thereafter.Rewards:
- Welcome Offer: Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Foreign Transaction Fee: None
- Annual Fee: $0 intro annual fee the first year, $95 thereafter
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card is a great card if you often travel for business and prefer Hilton brand hotels. You automatically get Gold Elite status with this card, which is good for room upgrades when available and complimentary breakfasts. You can also earn a free night when you spend $15,000 in the first three months. There’s a nice welcome offer and great rewards for the Hilton brand loyal.Rewards:
- Welcome Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Foreign Transaction Fee: None
- Annual Fee: $195
*Terms Apply
Complete List of Business Credit Card Signup Bonuses
1% - 1.5% cash back, or 5x points, or 1x miles
$750
1.5x points
30,000 Points
How to Choose the Best Business Credit Card Signup Offers
It’s a great time to find a business credit card signup bonus, with some cards offering bonuses as high as $1,000. Some point-based bonuses could be worth even more, depending on how you use the points. How do you decide which card is best for you and your business?
Consider more than just the signup bonus: Signup bonuses are great, but you should also consider the annual fee, what kind of rewards are offered, and whether they’re offered in points or in cash back. Crunch some numbers and find out which card makes the most sense for you and your business needs.
Check your credit score: The biggest signup bonuses often require the highest credit scores. You should check your business credit reports for any errors. If your score isn’t at least 700, you may want to take some time to improve it before you apply.
Spend requirement: Another thing to consider is how much you need to spend to get the bonus. Some require spending as little as $1,000, and others require you to spend up to $50,000. If you don’t regularly spend that much, the bonus may not be worth it.
Foreign Transaction Fees: If you travel internationally, look for a card that doesn’t charge foreign transaction fees. These are often 3% of the purchase, and they can add up quickly.
Be mindful of how you want to redeem your rewards: The value of rewards, points or otherwise, can vary depending on how you use them. Usually, points are worth the most if you transfer them to a partner airline or hotel and worth the least if you take them as a statement credit.
Also read: Our List of the Best Small Business Credit Cards
Frequently Asked Questions (FAQ)
Do I have to have a business to get a business credit card?
Good question. Yes, you do need to have a business, but the definition of a business is pretty flexible. If you’re a freelance writer, a part-time musician, or if you sell stuff on eBay, you can qualify for a business credit card.
Do I need a business credit card?
Business credit cards are a convenient way to make purchases, but just like personal credit cards, they can also be expensive. They don’t have the same protections as consumer credit cards do, either.
On the other hand, they have higher credit limits, and they help keep business and personal expenses separate, which will come in handy when it’s time to file your taxes.
How do I apply for a business credit card?
You’ll need all the standard information you would need to apply for any credit card, plus you’ll need either your federal identification tax number or if you’re a sole proprietor, your social security number. You’ll need to list the type of business, how it’s structured, estimated revenue, and number of employees (it’s fine if you don’t have any).
Summary
There are a lot of business credit card signup bonuses out there, but not every card is perfect for every business. Think about how you spend your money and where you’ll reap the most rewards. Then, find a card that aligns with your spending and needs.